Bupa Sanitas - Health insurance
At C1 Broker, we work with Bupa Sanitas, one of the most renowned health insurers in Spain. Whether you are an expat living in Spain or planning your move, we help you find the best private health insurance option tailored to your lifestyle, medical needs, and budget.
C1 Broker recommends Bupa Sanitas Health Insurance – one of the leading providers of private medical cover in Spain. Bupa Sanitas offers a wide range of options: access to its own network of clinics and hospitals, reimbursement products for international care, dental insurance, serious illness cover, accident insurance, and funeral benefits.
The 3 Bupa Sanitas Options Most Trusted by Our Clients
Sanitas Más Salud
A comprehensive private health insurance option with access to the full Bupa Sanitas medical network across Spain.
✅ Full medical coverage throughout Spain
✅ Access to the extensive Bupa Sanitas doctor & hospital network
✅ Emergency care, hospitalisation, and surgery included
✅ Free Sanitas Dental 21 cover
✅ Emergency medical assistance abroad up to €12,000 per year
Sanitas Más Salud Plus
All the benefits of “Más Salud” with extended coverage and enhanced services.
✅ Includes all Más Salud coverages
✅ Expanded psychiatric and reconstructive surgery benefits
✅ Day hospital treatments following hospitalisation
✅ Broader coverage for surgical procedures
✅ Lower premium thanks to reduced co-payments
Sanitas Premium €500,000
The most complete option, with national and international protection.
✅ Mixed model: Sanitas medical network + international reimbursement
✅ Worldwide coverage up to €500,000 per year
✅ 90% reimbursement of medical expenses outside Spain
✅ Pharmacy: 50% reimbursement up to €300 per year
✅ Dental: 80% reimbursement up to €400 per year
✅ Special coverage in leading medical centres in the USA.
- These are the Bupa Sanitas products we recommend to our clients for their quality. Bupa Sanitas offers more than 30 different options, including basic health insurance, comprehensive medical cover, dental insurance, accident insurance, and more. If you are interested in a specific product, please let us know and we will guide you to the best option for your needs.
📊 Sanitas Health Insurance Comparison
| Features | Sanitas Más Salud | Sanitas Más Salud Plus | Sanitas Premium €500,000 |
|---|---|---|---|
| Type of Cover | Medical Network | Medical Network | Mixed: Medical Network + Reimbursement |
| Coverage in Spain | Yes | Yes | Yes |
| International Cover | No | No | Yes (90% reimbursement up to €500,000/year) |
| Emergency Abroad | Yes, up to €12,000/year | Yes, up to €12,000/year | Yes |
| Hospitalisation | Included | Included | Included |
| Diagnostic Tests | Included | Included | Included |
| Psychiatry | Up to 50 days/year (hospitalisation) | Day hospital & extended cover | Included |
| Psychology | 15 sessions/year | 15 sessions/year | Included |
| Podiatry | 12 sessions/year | 12 sessions/year | Included |
| Dental | Sanitas Dental 21 | Sanitas Dental 21 | 80% reimbursement up to €400/year |
| Pharmacy | No | No | 50% reimbursement up to €300/year |
| Maximum Entry Age | 75 years | 75 years | 64 years |
📅 Waiting Periods in Sanitas Health Insurance
With Sanitas health insurance in Spain, certain benefits are subject to a waiting period. This means there is a set amount of time from the start of the policy until the insured can access specific coverages. Below are the main waiting periods:
🕐 Sanitas Waiting Periods Table
| Coverage | Waiting Period |
|---|---|
| Childbirth and newborn care | 8 months |
| Major outpatient surgery & hospitalisation | 10 months |
| Transplants | 12 months |
| Internal and external prostheses | 10 months |
| Assisted reproduction (if applicable) | 24 months |
| Emergency care & general medicine | No waiting period |
| Specialists & diagnostic tests | No waiting period |
| Psychology & psychiatry (depending on plan) | 6 months (in some cases) |
👉 These waiting periods apply to all three options (Más Salud, Más Salud Plus, and Premium €500,000), although they may vary depending on the specific coverage.
Why C1 Broker Recommends Bupa Sanitas Health Insurance
At C1 Broker, we work with Spain’s leading private health insurers, and among them, Bupa Sanitas stands out as one of the best choices for our clients.
Bupa Sanitas is a market leader in private health insurance in Spain, recognised for the quality of its medical network, its wide range of private hospitals and clinics, and its innovative digital customer care.
We recommend Bupa Sanitas because it offers:
✔️ Comprehensive medical cover with access to all specialties and private hospitalisation.
✔️ A prestigious nationwide medical network, including its own hospitals and clinics.
✔️ Flexible options – from basic health insurance to international coverage with reimbursement.
✔️ Advanced digital services, such as video consultations and online health programmes.
✔️ Trust and reliability, with more than 60 years’ experience protecting the health of millions of people.
At C1 Broker, our commitment is to help you choose the health insurance that best matches your profile. That is why Bupa Sanitas is one of our top recommendations for expats and residents in Spain who value peace of mind, security, and high-quality medical care.
🤔 Do you have questions about Bupa Sanitas Health Insurance?
We’ve made it simple — here’s our clear and easy FAQ about Bupa Sanitas Health Insurance in Spain.
Bupa Sanitas provides a wide range of private health insurance options designed to suit different lifestyles, needs, and budgets. The most popular include:
Bupa Sanitas Más Salud: full coverage in Spain with access to the Sanitas medical network.
Bupa Sanitas Más Salud Plus: all the benefits of Más Salud with enhanced psychiatric care and reconstructive surgery.
Bupa Sanitas Premium €500,000: international coverage with worldwide reimbursement.
A Bupa Sanitas health insurance policy is a private medical insurance plan that gives you access to doctors, specialists, private hospitals, and clinics in Spain — avoiding long waiting lists in the public system. It covers medical consultations, diagnostic tests, hospitalisation, emergencies, and digital services like video consultations and Sanitas 24h medical advice.
Más Salud: complete cover within Spain, using the Bupa Sanitas medical network.
Más Salud Plus: includes all the benefits of Más Salud, plus extended psychiatric cover, day hospital treatment, and reconstructive surgery, with reduced co-payments.
Premium €500,000: combines national coverage with worldwide access, reimbursing up to 90% of medical expenses globally (up to €500,000 per year).
Yes. Both Más Salud and Más Salud Plus include emergency cover abroad up to €12,000 per year per insured person. The Premium €500,000 plan offers even more comprehensive protection, with worldwide coverage and access to leading hospitals in the USA.
Más Salud and Más Salud Plus: up to 75 years.
Premium €500,000: up to 64 years.
This means both young professionals and retirees can find a suitable option. At C1 Broker, we analyse your profile and guide you to the right health insurance for your age and needs.
Yes. Both Más Salud and Más Salud Plus include Sanitas Dental 21, a basic dental plan covering check-ups, cleanings, and essential treatments at no extra cost. The Premium €500,000 plan reimburses 80% of private dental expenses, up to €400 per year, giving you more freedom to choose your dentist.
Waiting periods are the time you must wait from the start of your policy before certain coverages apply. For example:
8 months for childbirth
10 months for major surgery
12 months for transplants
However, emergency care, GP consultations, and diagnostic tests are covered from day one.
Yes.
Psychology: up to 15 sessions per insured person per year in Más Salud and Más Salud Plus.
Psychiatry: includes hospitalisation (up to 50 days/year for acute cases in Más Salud). In Más Salud Plus, additional day hospital treatment is included for conditions such as eating disorders. The Premium €500,000 plan provides even greater flexibility.
Yes, as long as it belongs to the Bupa Sanitas medical network, which is one of the largest in Spain, with private hospitals, clinics, and specialists nationwide. With the Premium €500,000 plan, you can also visit any doctor or hospital worldwide and request reimbursement of 90% of costs.
Bupa Sanitas is a leader in digital healthcare, providing:
Video consultations with specialists
Sanitas 24h medical helpline, available anytime
Personalised health programmes (nutrition, fitness, prevention)
Online management of appointments and results through its mobile app
Because at C1 Broker, we don’t just give you access to Bupa Sanitas — we offer personalised service in your language (English, Spanish, or German), expert advice for expats, and support at every step: from choosing the right policy to handling claims. Our goal is to provide you with a private health insurance in Spain that guarantees peace of mind and total security.
Useful Documents – C1 Broker Spain
At C1 Broker, we value transparency and trust in every step of the process. That’s why we provide you with all the essential documentation on Sanitas Health Insurance, so you can fully understand the cover, general conditions, waiting periods, co-payments, and other important details before taking out your policy.
Our goal is to help you make the best decision with complete clarity and confidence. Browse and download the documents you need below:
Sanitas Health Insurance Documentation
General Conditions:
IPID – Insurance Product Information Document:
Where Are You Looking for Bupa Sanitas Health Insurance in Spain?
Find the best Bupa Sanitas private health insurance wherever you live in Spain. At C1 Broker, we help expats and residents choose the right policy with personalised advice and full support in English.
Your Health Comes First
C1 Broker recommends Bupa Sanitas – Health Insurance in Spain.
